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Chief Compliance Officer

Tom Anderson

Tyler Dickson is Citi's Co-Head of Banking, Capital Markets and Advisory, which includes all of Citi's corporate and investment banking activities including debt and equity capital markets, lending and advisory. He also manages Citi's Financing &amp; Securitization and Institutional Credit Management efforts. Tyler is a member of Citi's Global Operating Team and of the Institutional Clients Group Management Committee.
Tyler first joined the mergers and acquisition group at Salomon Brothers in 1989. He subsequently moved to equity capital markets and held numerous leadership positions including Salomon Brothers' Head of Global Convertibles and Equity Derivatives, Salomon Smith Barney's Head of U.S. Equity Capital Markets, and Citigroup's Head of Global Equity Capital Markets.
In 2007, Tyler was named Global Head of Citi's newly combined equity and debt capital markets businesses. Subsequently, his responsibilities were expanded to include securitized products, structured finance, agency and trust, and depositary receipts services. In September 2018, he was appointed Co-Head of Citi's newly combined Capital Markets and Corporate &amp; Investment Banking businesses. In 2020, Tyler was asked to help manage the Financing &amp; Securitization and Institutional Credit Management groups.
Tyler holds a Bachelor of Arts degree in Economics from Dartmouth College.

Global Co-Head of Banking, Capital Markets and Advisory

Tyler Dickson

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Peter Babej is Chief Executive Officer of Citi Asia Pacific, responsible for the firm's operations across the region. Peter is a member of Citi's Executive Management Team and the Board of the Citi Foundation.Previously, Peter served as Global Head of the Financial Institutions Group. Under his leadership, Citi attained a leading position in the sector and participated in numerous landmark transactions globally.Previously, Peter served in senior roles at Deutsche Bank and Lazard, where he advised financial institutions across North America, Europe and Asia.Peter holds a B.A. (summa cum laude) from the School of Public and International Affairs of Princeton, and a J.D. and Ph.D from Harvard University. He is a member of the Council of Foreign Relations.

Chief Executive Officer Chief Executive Officer Chief Executive Officer Chief Executive Officer Chief Executive Officer

Peter Babej

Titi Cole is the Chief Executive Officer of Legacy Franchises, responsible for overseeing the new operating segment that houses Citi's consumer businesses and colleagues in Asia, Europe, the Middle East, Africa and Mexico. She is a member of the Executive Management Team and serves as a Member of the Board of Grupo Financiero Citibanamex, S.A. de C.V. and Banco Nacional de M&eacute;xico, S.A.
Prior to her current role, Titi served as the Head of Global Operations and Fraud Prevention and the Chief Client Officer for Personal Banking and Wealth Management (PBWM). Titi also served as the Global Diversity &amp; Inclusion Champion for PBWM, where she led initiatives to increase representation of women and underrepresented groups across the business.
Before joining Citi in 2020, Titi was the Head of Consumer and Small Business Banking Operations and Contact Centers at Wells Fargo after previously leading Shared Services for Consumer Credit Solutions. She also served as a member of Wells Fargo's Management Committee. Previously, Titi led Retail Products and Underwriting for Bank of America with responsibility for the consumer credit card, debit and checking businesses, credit card underwriting and fulfillment, and the enterprise payments network group. She has also held leadership roles at BMO Harris Bank in Chicago and McKinsey &amp; Company.
Titi earned a Bachelor of Economics degree from the University of Ibadan in Nigeria and a Master of Business Administration degree from Northwestern University's Kellogg School of Management. Titi serves on the Board of Trustees for Queens University of Charlotte.

Chief Executive Officer | Legacy Franchises

Titi Cole

<ul class="list">
<li>Former President and CEO, BMO Financial Corporation and U.S. Country Head, BMO Financial Group &ndash; 2011 to 2013</li>
<li>Group Head, Personal and Commercial Banking, U.S. and President and Chief Executive Officer, BMO Harris Bank N.A. BMO Financial Group &ndash; 2006 to 2011</li>
<li>Vice Chairman and Head, Securitization and Credit Investment Management, Merchant Banking and Head of N.Y. Office, Capital Markets Group, BMO Financial Group &ndash; 2000 to 2006</li>
<li>Executive Vice President, Strategic Initiatives, Capital Markets Group, BMO Financial Group &ndash; 2000</li>
<li>Executive Vice President and Head, Global Treasury Group, BMO Financial Group &ndash; 1997 to 1999</li>
<li>Senior Vice President and Deputy Treasurer, Global Treasury Group, BMO Financial Group &ndash; 1995 to 1997</li>
<li>Managing Director and Regional Treasurer, Asia Pacific, Global Treasury Group, BMO Financial Group &ndash; 1993 to 1994</li>
<li>Managing Director and Head, North American Financial Product Sales, Global Treasury Group, BMO Financial Group &ndash; 1991 to 1993</li>
<li>Director of Citigroup since 2016</li>
<li>Director of Citibank, N.A. since 2016</li>
<li>Other Directorships: Diebold Nixdorf, Inc.</li>
<li>Previous Directorships within the last five years: DH Corporation</li>
<li>Other Activities: Chicago Council on Global Affairs (Board), Economic Club of Chicago (member)</li>
</ul>

Former President and CEO, BMO Financial Corporation | Former U.S. Country Head, BMO Financial Group

Ellen M. Costello

<ul class="list">
<li>Director of Citibank, N.A. since 2020</li>
<li>Senior Deputy Comptroller for Bank Supervision Policy and Chief National Bank Examiner, OCC &ndash; 2016 to 2019</li>
<li>Assistant Deputy Comptroller, OCC &ndash; 2015 to 2016</li>
<li>Examiner-in-Charge &ndash; U.S. Bank, OCC &ndash; 2010 to 2015</li>
<li>Deputy Comptroller &ndash; Large Bank Supervision, OCC &ndash; 2001 to 2010</li>
<li>Director of Citigroup since 2019</li>
</ul>

Former Senior Deputy Comptroller for Bank Supervision Policy and Chief National Bank Examiner, Office of the Comptroller of the Currency (OCC)

Grace E. Dailey

Nadir Darrah was named Chief Auditor of Citi in March 2022. He is responsible for the Internal Audit function, which includes the delivery of audit assurance on governance, risk management and the control environment across Citi. Prior, Nadir was the Chief Auditor of Citibank, N.A. Data and Transformation.
Since joining Citi in 2015, Nadir has held senior leadership positions including the Regional Chief Auditor for Asia Pacific and Chief Auditor for Global Consumer Banking responsible for covering the Retail Bank, Mortgages, Branded Cards, Citi Retail Services and Citi Holdings. Earlier, he held several senior leadership roles across Internal Audit including Chief Auditor for Retail Mortgages and Holdings, and Chief Auditor for Special Projects and Programs where he led several strategic initiatives across Internal Audit, managed regulatory exams and relationships, as well as maintaining Internal Audit&rsquo;s best-in-class status with stakeholders. He also served as Chief Auditor, CGMI, ICG Securities Services, Regulatory Reform, Governance &amp; Conduct.
Nadir has over 25 years of audit experience. Prior to his tenure at Citi, Nadir was with Barclays where he held a number of senior leadership positions including responsibility for the Internal Audit coverage of the Barclays Wealth Management business as well as the Risk, Finance, Treasury, Compliance and Financial Crime functions in North America.
Nadir is a Certified Accountant (ACCA), Certified Internal Auditor (CIA), and a Chartered Accountant (ACA).

Chief Auditor

Nadir Darrah

<div class="summary">
<ul>
<li>Chief Executive Officer, Citibank, N.A. &ndash; April 2014 to April 2019</li>
<li>Chief Operating Officer, Citibank, N.A. &ndash; October 2013 to April 2014</li>
<li>President, Bank of America Home Loans, Bank of America &ndash; 2008 to 2012</li>
<li>Global Technology &amp; Operations Executive, Bank of America &ndash; 2004 to 2008</li>
<li>Director of Citigroup since 2019</li>
<li>Chair of Citibank, N.A. since 2019</li>
<li>Other Directorships &ndash; DaVita Inc.</li>
<li>Previous Directorships within the last five years &ndash; none</li>
<li>Other Activities &ndash; Board of Visitors of the University of California, Berkeley (Member) and InStride (Advisory Board Member)</li>
</ul>
</div>

Former Chief Executive Officer, Citibank, N.A.

Barbara Desoer

<ul class="list">
<li>Chair, Citigroup Inc. &mdash; January 2019 to present</li>
<li>Director, Citigroup Inc. &mdash; October 2017 to Present</li>
<li>Former Chair, Financial Institutions Group, Covington &amp; Burling LLP &mdash; 2011 to 2017</li>
<li>Comptroller of the Currency &mdash; 2005 to 2010</li>
<li>Partner, Covington &amp; Burling LLP &mdash; 1993 to 2005</li>
<li>Assistant Secretary for Domestic Finance, U.S. Department of the Treasury &mdash; 1989 to 1993</li>
<li>Counsel and Minority General Counsel for the U.S. Senate Committee on Banking, Housing, and Urban Affairs &mdash; 1985 to 1989</li>
<li>Other activities: University of Michigan, &ldquo;Michigan in Washington&rdquo; program (Advisory Board)</li>
</ul>

Chair, Citigroup Inc.

John C. Dugan

Manuel Falc&oacute; is Citi's Global Co-Head of Banking, Capital Markets and Advisory, which encompasses all corporate and investment banking activities including coverage, mergers and acquisitions, capital raising, and lending around the world.
Prior to this role, Manuel was Head of Corporate and Investment Banking for Europe, Middle East &amp; Africa, Citi Country Officer for Spain and Head of Banking for Iberia, where he built one of the most successful franchises in the country. Manuel has advised on numerous key transactions led by Citi in EMEA during his career.
Before joining Citi in 1998, Manuel worked for SG Warburg and SBC Warburg in mergers and acquisitions and capital markets in London and Madrid for 10 years.

Manolo Falco

Jane Fraser is the Chief Executive Officer of Citi, a leading global bank, serving millions of consumers, businesses and institutions across nearly 160 countries and jurisdictions. She is the first female CEO in the firm&rsquo;s history.
Jane has deep experience across Citi&rsquo;s consumer and institutional businesses and, in many ways, she helped shape Citi into the company it is today. Before becoming CEO in February 2021, she was President of Citi and CEO of the Global Consumer Bank, responsible for all of Citi&rsquo;s Consumer businesses, including Retail Banking and Wealth Management, Credit Cards, Mortgage and Operations and Technology in 19 markets. Before that, she was the Chief Executive Officer of Citigroup Latin America from 2015 to 2019. From 2013 to 2015, she was the Chief Executive Officer of the U.S. Consumer and Commercial Banking and CitiMortgage. From 2009 to 2013, Jane served as the Chief Executive Officer of Citi's Global Private Bank. Prior, Jane was the Global Head of Strategy and Mergers &amp; Acquisitions for Citi from 2007 to 2009. She joined Citi in 2004 in the Corporate and Investment Banking division.
Before joining Citi, Jane was a Partner at McKinsey &amp; Company. She started her career at Goldman Sachs in the Mergers &amp; Acquisitions department in London and then worked for Asesores Burs&aacute;tiles in Madrid, Spain.
Jane serves as a Board Member for the Business Roundtable and the Council on Foreign Relations. She is Vice Chair for the Partnership for New York City and a member of Harvard Business School&rsquo;s Board of Dean&rsquo;s Advisors, the Stanford Global Advisory Board and the Economic Club of New York. Jane has an M.B.A. from Harvard Business School and an M.A. in economics from Cambridge University. She is married with two children.

Chief Executive Officer, Citi

Jane Fraser

Sunil Garg is Chief Executive Officer of Citibank, N.A., which is Citi&rsquo;s primary banking entity with branches and subsidiaries in 95 countries and territories. Citibank, N.A. accounts for 75 percent of Citigroup&rsquo;s total assets. He is also CEO of North America, overseeing the United States and Canada Markets.&nbsp;
Sunil joined Citi in May 1988 as a Management Associate in India and has worked in India, Singapore, Malaysia and the United States during his tenure. He has worked in several roles across Citi, notably in operations and technology; treasury and trade solutions; corporate and investment banking; and commercial banking. Sunil was also a member of Citi&rsquo;s Global Consumer Banking and the Institutional Client Group&lsquo;s management committees for several years during his tenure. Most recently, Sunil was global Chief Executive Officer of the commercial bank, which he led 2011 to 2021. Prior to that, he led the U.S. Commercial Banking business from 2008 until 2011.
Sunil graduated with a major in economics from St. Stephen&rsquo;s College, India, followed by the Post Graduate Program from Indian Institute of Management, Ahmedabad.

Chief Executive Officer, North America & Citibank N.A. 

Sunil Garg

Tasnim re-joined Citi in October 2021 to lead the Global Commercial Bank (CCB), a key business line for Citi that provides full-scale banking products and services to midsize companies across the globe delivering tailored solutions to this fast-growing client base.
Most recently, Tasnim was the U.K. Corporate Bank Head at Barclays plc where she focused on growing target segments, building solutions, enhancing client experience and developing talent. She implemented national industry verticals to serve corporate clients and established a public sector business to drive growth through industry-specific insights and solutions. Tasnim played a leading role in the deployment of the UK Covid Government Loan Schemes and was a strong voice for the industry during the pandemic.
Prior to Barclays, Tasnim was Citi's Head of Commercial Bank Europe, Middle East and Africa, where she led the expansion of the Commercial Bank. During her 20+ year career at Citi, Tasnim held roles in investment banking, corporate and commercial banking and senior regional management. Previously, Tasnim worked at JP Morgan and Commercial Union and is a Chartered Management Accountant.
Tasnim is passionate about equality in the workplace and has led several diversity initiatives and chaired various committees throughout her career in banking. She holds a Bachelor of Science degree in computer science and management from Kings College London.

Global Head of Commercial Bank

Tasnim Ghiawadwala

<ul class="list">
<li>Co-Founder and Partner, Atrevida Partners, LLC &ndash; June 2007 to present</li>
<li>Co-Founder and Partner, Promontory Financial Group &ndash; 2000 to 2006</li>
<li>Chief Executive Officer, Soros Fund Management &ndash; 1999 to 2000</li>
<li>Executive Vice President/Treasurer, Bankers Trust Company &ndash; 1987 to 1999</li>
<li>Audit Manager, Arthur Andersen &amp; Co. &ndash; 1979 to 1987</li>
<li>Director of Citigroup since 2013</li>
<li>Director of Citibank, N.A. since 2013</li>
<li>Other Directorships: RenaissanceRe Holdings, Ltd.</li>
<li>Previous Directorships within the last five years: Syncora Holdings, Ltd.</li>
</ul>

Co-Founder and Partner of Atrevida Partners, LLC

Duncan P. Hennes

<ul class="list">
<li>Dean Emeritus and William R. Berkley Professor of Economics and Finance, New York University Leonard N. Stern School of Business &ndash; January 2018 to present</li>
<li>Dean, New York University, Leonard N. Stern School of Business &ndash; January 2010 to December 2017</li>
<li>Faculty Member, Stanford University &ndash; 1997 to 2009</li>
<li>Fellow, National Science Foundation &ndash; 1993 to 1996</li>
<li>Director of Citigroup since 2015</li>
<li>Other Directorships: Nike, Inc.</li>
<li>Previous Directorships within the last five years: General Electric Company, Kraft Foods Inc. and Kraft Foods Group, Inc. (split into two companies in October 2012)</li>
<li>Other Activities: National Bureau of Economic Research (Board), The Economic Club of New York (Board), and Federal Reserve Bank of New York (Economic Advisory Panel)</li>
</ul>

Stanford Univ. Class of 1984 Senior Fellow and Fellow, Freeman Spogli Institute for International Studies and Dean Emeritus, NYU Leonard N. Stern School of Business.

Peter Blair Henry

<ul class="list">
<li>Assistant Secretary and Head of the Office of Intelligence and Analysis, U.S. Department of the Treasury &ndash; 2010 to 2016</li>
<li>National Intelligence Manager for Threat Finance &mdash; 2010 to 2016</li>
<li>President&rsquo;s Daily Intelligence Briefer &mdash; 2008 to 2010</li>
<li>Iran Mission Manager &mdash; 2005 to 2008</li>
<li>Executive Advisor to the Director of Central Intelligence, CIA &mdash; 2004 to 2005</li>
<li>Various Leadership, Staff and Analytical positions (classified), CIA &mdash; 1985 to 2003</li>
<li>Director of Citigroup since 2017</li>
<li>Other Directorships: None</li>
<li>Previous Directorships within the last five years: None</li>
<li>Other Activities: Intelligence and National Security Alliance (Chair of the Financial Threats Council) and The Stimson Center (Board)</li>
</ul>

Former Assistant Secretary for Intelligence and Analysis, U.S. Department of the Treasury, and National Intelligence Manager for Threat Finance, Office of the Director of National Intelligence

S. Leslie Ireland

Joshua People Regression 0606

<ul class="list">
<li>Founder, Chair and CEO, Ampere Computing &ndash; February 2018 to present</li>
<li>Operating Executive, The Carlyle Group &ndash; February 2016 to present</li>
<li>President, Intel Corporation &ndash; 2013 to 2016</li>
<li>Executive Vice President of Intel &ndash; 2004 to 2013</li>
<li>Group Vice President and General Manager, Software Development &ndash; 2001 to 2004</li>
<li>Chief Operating Officer, Intel Online Solutions &ndash; 1999 to 2001</li>
<li>Chief of Staff to Intel Founder, Chairman and CEO Andrew Grove &ndash; 1995 to 1999</li>
<li>Director of Citigroup since 2016</li>
<li>Other Directorships: Oracle Corporation</li>
<li>Previous Directorships within the last five years: Sabre Corporation and Vodafone Group PLC</li>
<li>President&rsquo;s National Security Telecommunications Advisory Committee (Prior Chair) and University of Oregon (Trustee)</li>
</ul>

Founder, Chair and CEO, Ampere Computing

Renée J. James

People reference check test-staging

Shahmir Khaliq is the Global Head of Treasury and Trade Solutions (TTS) in Citi's Institutional Clients Group. This multi-billion-dollar business, which includes Payment, Receivable, Commercial Cards, and Trade and Cash Management is one of the largest global businesses within Citi's Institutional Clients Group (ICG), encompassing integrated working capital solutions serving public sector clients, corporate and financial institutions.
Shahmir joined Citibank in 1991 as a Management Associate in the institutional bank. After pursuing his postgraduate education, he rejoined Citi Pakistan (Banking) in 1995 and has held various leadership roles within banking, country management, markets and securities services, and treasury services. Previously, he served as Head of Operations and Technology for the Treasury and Trade Services (TTS) business and, prior to that, as the Global Head of Direct Custody &amp; Clearing within markets and securities services.
He has led the North America Investor Services business, covering prime finance, futures and the securities services franchise, and served as the global business lead optimizing the ICG's global client footprint. He has served as Country Cluster Head for Citi's Central European business, and also ran the Energy and Metals Corporate Bank franchise for CEEMEA.
Shahmir is a Senior Credit Officer (Business SCO Level 2). He holds Master of Science degrees in finance and economics from the London Business School and London School of Economics, as well as a Master of Business Administration degree from the University of Karachi.

Global Head of Treasury and Trade Solutions

Shahmir Khaliq

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Leadership Job Title

PE People Leadership

David Livingstone was appointed Chief Executive Officer for Citi Europe, Middle East and Africa (EMEA) in February 2019. In this role, he is responsible for Citi's businesses throughout EMEA, where Citi maintains a physical presence in 55 countries and does business in 52 more. David is a member of Citi's Executive Management Team.
Prior to assuming his current position, David was Citi Country Officer for Australia and New Zealand from June 2016. He was responsible for Citi's business in Australia and New Zealand, including developing and implementing business strategy; fostering client relationships; managing risk and controls; and enhancing and protecting Citi's reputation in the region. He also was a member of the Asia Pacific Executive Management Team.
David joined Citi from Credit Suisse, where he was Vice Chairman of the Investment Banking and Capital Markets Division for EMEA region and a board member of Credit Suisse International and Credit Suisse Securities (Europe) Limited, the main operating entities of the group in Europe. He was also head of the mergers and acquisitions business for that region. He served as Chief Executive Officer of Credit Suisse Australia, a role he held from 2010 to 2013.
David joined Credit Suisse in 2007 from HSBC, where he was a Managing Director and head of EMEA Investment Banking Advisory. Prior to that, he worked at the Goldman Sachs Group, Inc. for 16 years in a variety of senior roles. David holds a Bachelor of Arts Honors degree in Economics from Macquarie University in Sydney and a Master of Arts degree in Law from Jesus College, Cambridge.

Chief Executive Officer

David Livingstone

Gonzalo Luchetti is the Head of U.S. Personal Banking, leading the delivery of a single, seamless client experience across retail banking, retail services and branded cards. Gonzalo guides the bank in its digital first approach to serving more than 70 million clients, with a light physical branch network in six key markets and national scale in credit cards and lending.
Prior to his current role, Gonzalo served as Head of the Consumer Bank in Asia and EMEA. In this role, he was responsible for all consumer banking activities, including deposits, wealth management, Bancassurance, small business, credit cards, personal loans and mortgages.
Previously, he served as the Head of the Asia Retail Bank, helping to lead a significant transformation of the business by calibrating its distribution network, driving the path to scale for select franchises and digitizing the business model. Before moving to Asia, he served in New York as the Global Head of Wealth Management and Insurance, leading Citigold, Citigold Private Client, Investment and Insurance product distribution globally, as well as the International Personal Bank.
Gonzalo joined Citi in 2006 as Head of Strategy for the Citi Private Bank in Latin America. He expanded his responsibilities in 2007 when he also became the Chief Financial Officer for the business. Prior to joining Citi, Gonzalo worked for JP Morgan Chase and Bain &amp; Company.
Gonzalo holds a Master of Business Administration degree from Stanford University Graduate School of Business, and a Bachelor of Arts degree in computer sciences from the Technological Institute of Buenos Aires.

Head of U.S. Personal Banking

Gonzalo Luchetti

State Machine People

Mark Mason was named Chief Financial Officer of Citi in February 2019. He is responsible for the financial management of the company and also spearheads Citi&rsquo;s Expense Management and Citi Ventures Initiatives. Prior to being named Citi CFO, Mr. Mason served as CFO of Citi&rsquo;s Institutional Clients Group (ICG) and was the executive responsible for Citi&rsquo;s Comprehensive Capital Analysis and Review (CCAR) submission process.
Mr. Mason joined Citi in 2001 and has held several senior operational, strategic, and financial executive positions, including CEO of Citi Private Bank, CEO of Citi Holdings and CFO and Head of Strategy and M&amp;A for Citi&rsquo;s Global Wealth Management Division.
Prior to his tenure at Citi, Mr. Mason was Director of Strategy and Business Development with Lucent Technologies. He also spent several years as Strategy Consultant with Marakon Associates, working with a number of Fortune 100 companies to develop strategies to maximize shareholder value. Mr. Mason also has investment banking experience with Goldman, Sachs &amp; Co.
Mr. Mason serves as a Trustee of Howard University, where he received a B.B.A. in finance and graduated with honors. He also holds an M.B.A. from Harvard Business School. He is a former Director of Primerica, Inc. (NYSEL PRI)
Mr. Mason resides in New Jersey with his wife and two children.

Chief Financial Officer

Mark Mason

Brent McIntosh joined Citi as General Counsel &amp; Corporate Secretary in October 2021. Brent leads Citi's global legal team, including Citi security and investigative services, and oversees Citi&rsquo;s independent compliance risk management function.
Brent served as Under Secretary of the Treasury for International Affairs from 2019 to 2021. He led the Treasury Department&rsquo;s engagement in the G7 and G20, represented the United States on the Financial Stability Board, and managed U.S. participation at the IMF and World Bank. He oversaw Treasury&rsquo;s international economic and financial policy work, including significant engagements on investment security and regulation of digital currencies. During 2020, he coordinated initiatives to alleviate the COVID-19 pandemic&rsquo;s economic consequences.
From 2017 to 2019, Brent served as Treasury&rsquo;s General Counsel, leading the department&rsquo;s approximately 2,000 lawyers and spearheading its regulatory reform efforts. Prior to that, he was a partner in the law firm of Sullivan &amp; Cromwell, where his practice focused on complex disputes involving financial institutions and multinational corporations.
Brent served in the White House from 2006 until 2009, first as Associate Counsel to the President and then as Deputy Assistant to the President and Deputy Staff Secretary. Before that, he was a Deputy Assistant Attorney General at the Justice Department, where his work focused on national security matters.
A Michigan native, Brent holds an A.B. in economics and political science from the University of Michigan and a J.D. from Yale Law School. Following law school, he was a law clerk to two federal appellate judges, Dennis Jacobs of the Second Circuit and Laurence H. Silberman of the D.C. Circuit. Brent serves on the Board of Directors of the Alexander Hamilton Society, the Board of Advisors for the National Security Institute at George Mason University&rsquo;s Antonin Scalia Law School, and the Advisory Council of the Official Monetary and Financial Institutions Forum. He is a member of the Council on Foreign Relations, where he previously served as an Adjunct Senior Fellow for International Economics and Finance, as well as the Bretton Woods Committee and the International Institute for Strategic Studies.

General Counsel & Corporate Secretary

Brent McIntosh

Andy Morton is a Managing Director and Global Head of Markets at Citi. He has been with Citi since 2008, and was previously head of the G10 rates, markets treasury and finance businesses and was responsible for the markets quantitative analysis (MQA) function.
Prior to joining Citi, Andy spent 15 years at Lehman Brothers during which he held several positions including Head of European Fixed Income and Global Head of Fixed Income.
Andy began his working career as an academic in mathematical finance. He is the co-author of the HJM interest rate model, a widely used framework for the valuation of interest rate derivatives. He earned a Bachelor of Mathematics degree from University of Waterloo and a Doctor of Philosophy in engineering from Cornell University.

Global Head of Markets

Andy Morton

Jim O'Donnell is Head of Global Wealth Management. Previously, he was Managing Director and Global Head of Investor Sales and Relationship Management at Citi Markets and Securities Services. In this role, Jim was responsible for client distribution for equities, fixed income, currencies and commodities. Prior to that, he was Co-Head of Global Investor Sales, appointed in November 2007.
Previously, Jim served as Head of Equities, Americas at Citi. He joined the firm in July 1999 as Head of Equities, EMEA. Prior to joining Citi, Jim was President and Chief Executive Officer of HSBC Securities Inc. in New York. He was responsible for all equity, debt, futures and investment banking operations for HSBC in the U.S. and was CEO of HSBC James Capel, HSBC's global equity business.
Prior to HSBC, Jim was President and CEO of NatWest Securities in the United States. He held various roles at Drexel Burnham Lambert from 1986 to 1990, including Head of Sales and Trading for International Equities and Co-Head of Global Equity Trading. He holds a Bachelor of Arts degree in comparative religion from Princeton University.

Chief Executive Officer, Global Wealth Management

Jim O’Donnell

Karen Peetz joined Citi in 2020 as Chief Administrative Officer. In this role she oversees Citi&rsquo;s Project Management Office and Data efforts globally. Previously, Karen spent almost 20 years at BNY Mellon, ultimately becoming the President of the firm until her departure in 2016. While President, she oversaw the company&rsquo;s global client management group, covering the firm&rsquo;s top 500 clients worldwide; regional management (Asia Pacific, Europe, Middle East and Africa and Latin America); and its treasury services business. She also led the company&rsquo;s Human Resources, global innovation and regulatory oversight efforts.
Prior to her appointment as President in 2013, Karen led BNY Mellon&rsquo;s Financial Markets and Treasury Services group, comprised of: the alternative investment services, broker dealer and advisor services, Pershing, corporate trust, depositary receipts, share owner services and treasury services businesses.
Before joining BNY Mellon in 1998 to run the domestic corporate trust business, Karen spent 16 years with JPMorgan Chase in a variety of commercial lending, sales and business management positions, including an assignment in London.
Since retiring from BNY Mellon, Karen has been active in various corporate and nonprofit boards, including: The Guardian Life Insurance Company of America, Amherst Holdings, Johns Hopkins University and the Global Lyme Alliance.
Karen is the former Chair of the Boards of United Way of New York City and Penn State University&rsquo;s Board of Trustees.

Chief Administrative Officer

Karen Peetz

Okan Pekin is the Global Head of Securities Services at Citi. Based in London, Okan oversees an integrated range of services supporting the post-trade requirements of clients, including clearing, custody and fund services.
Okan joined Citi in Turkey in 1989 and has since held various roles across the firm. Most recently, Okan was the Global Head of Prime, Futures and Securities Services, as well as the Global Head of its predecessor organization, Investor Services, starting in 2013. Prior to that, Okan was the Global Head of Institutional FX and Local Markets Sales and Head of CEEMEA Sales. He held various leadership roles in Structured Product Sales in Europe and led the Derivatives Marketing Team for European Investors as well as the Derivatives Marketing business in Germany.
Earlier in his Citi career, Okan developed and led the Derivatives and Capital Markets Origination business with European Sovereigns and Frequent Issuers and, prior to that, was responsible for the Derivatives coverage of Switzerland. Prior to Citi, Okan worked at Koc Holding in Turkey, where he helped to develop and execute the strategy of its automotive division. Okan holds a Bachelor of Mechanical Engineering and Master of Business Administration with a major in finance from Bosphorus University in Istanbul.

Global Head of Securities Services

Okan Pekin

As Chief of Staff to the CEO, Margo Pilic works with Citi's leadership team, the Board of Directors, clients, regulators, investors and external partners to support the delivery of Citi's strategic priorities.
Margo joined Citi in 2004. Prior to joining the Office of the CEO, Margo was the Finance Officer for the Institutional Clients Group (ICG) in Latin America. Previously, Margo had several senior roles in the Foreign Exchange business, focused on electronic client solutions. Before joining FX, she worked in the Corporate Center in Reengineering and as the Chief of Staff for Citi's former Chief Operating Officer, as well as in ICG Strategy.
Margo started her career in investment banking at Donaldson, Lufkin &amp; Jenrette and then at Credit Suisse.
Margo holds a Bachelor of Arts from Boston College and a Masters of Business Administration from Harvard Business School. She is married with two children.
&nbsp;
* The Chief of Staff is a direct report to the CEO but not a member of the Executive Management Team.

Chief of Staff | Office of the CEO

Margo Pilic

<ul class="list">
<li>Operating Partner, General Atlantic LLC - September 2010 to present</li>
<li>Senior Vice President and Chief Information Officer, General Electric Company - 1996 to 2010</li>
<li>Partner, Boston Consulting Group - 1986 to 1991</li>
<li>Director of Citigroup since 2013</li>
<li>Other Directorships: Hewlett Packard Enterprise Company</li>
<li>Previous Directorships within the last five years: Box Inc.</li>
<li>Other Activities: None</li>
</ul>

Operating Partner,  General Atlantic LLC

Gary M. Reiner

Stuart Riley is the Global Head of Technology for the Institutional Clients Group, which supports growth in some of our largest businesses while improving efficiency and creating a safer, faster, better connected and more reliable infrastructure for Citi and our clients. Stuart is also Head of ICG Digital, which works with the business to accelerate and govern our digital strategy, with a focus on improving client experience.
Stuart joined Citi in 2010 to run eCommerce in Sales &amp; Trading, and led the development and widespread adoption of the industry leading suite of products Citi Velocity. Stuart subsequently held a variety of leadership positions in Operations &amp; Technology across Capital Markets, Securities Services, Investment Banking, Trade and Treasury, and Private Banking. In addition to his focus on initiatives such as Cloud, Data, APIs, Blockchain and Cyber, he is also actively engaged with external companies, start-ups, think-tanks and academics, connecting different approaches to drive innovation at Citi.
Prior to joining Citi, Stuart held a number of senior technology roles at Deutsche Bank. Before that he was a Partner at a technology consulting firm and he has a Bachelor's degree in Software Engineering and Management. He co-leads the Citi Women initiative and is a member of Teach First's Technology Committee, which aims at developing solutions to end educational disadvantage and create a fair education for all.

Global Head of Technology, Institutional Clients Group

Stuart Riley

In 1991, Manuel joined El Banco Nacional de M&eacute;xico in the Corporate Bank. He held several positions in different areas in Corporate Banking, Wholesale, Commercial and Consumer Business. In 2005, he became Managing Director for Credit Cards and was the recipient of the &ldquo;Celebrating Excellence Award&rdquo; presented by the Global Consumer Bank.
In 2008 Manuel transitioned to join Banorte-Ixe, where he led numerous businesses, and in 2012 became Executive Vice President for Consumer and Retail Products.
In April 2019, Manuel rejoined Citibanamex as Head of Products and Segments for Global Consumer Bank Mexico, and in November 2019 he was named Chief Executive Officer of Grupo Financiero Citibanamex.
Manuel holds a degree in Business Administration from ITAM, M&eacute;xico, as well as a Master of Economics from the same institution. He has been married to Lillian for 25 years and they are parents to 3 girls.

Chief Executive Officer Citibanamex

Manuel Romo

Global Head of Business Services

Jessica Roos

Chief Executive Officer | Personal Banking & Wealth Management

Anand Selvakesari

Edward Skyler joined Citi as Executive Vice President in 2010 and is now Head of Enterprise Services and Public Affairs. Reporting to the CEO, he oversees the primary functions that shape the reputation of Citi, including Communications, Government Affairs, Marketing, Sustainability/ESG, Community Investing and Development and Citi&rsquo;s compliance with the Community Reinvestment Act (CRA). He has responsibility for managing certain global operations, including Aviation, Colleague and Client Services, and Citi&rsquo;s Real Estate portfolio. He chairs Citi&rsquo;s Reputation Risk Committee and the Board of the Citi Foundation. He also shares leadership of Investor Relations and Regulatory Affairs.
Prior to joining Citi, Edward served as a member of Mayor Michael R. Bloomberg's administration from 2002 to 2010, rising to the position of Deputy Mayor for Operations for the City of New York. In that capacity, he oversaw the performance of the City's main operational agencies and served as a top budget, legislative and labor negotiator. He oversaw four consecutive balanced and on-time City budgets; negotiated legislation to reform lobbying and "pay-to-play" practices; and spearheaded critical initiatives such as the overhaul of the City's 911 system and its sustainability agenda.
Previously, Edward served as Press Secretary and Communications Director during Mayor Bloomberg's first term. Prior to joining the Bloomberg Administration, he worked in the Corporate Communications group of Bloomberg LP. He also served as Deputy Press Secretary to Mayor Rudolph W. Giuliani and Public Information Director at the Department of Parks &amp; Recreation.
Edward has stayed involved in civic life and served as Chairman of the Citizens Budget Commission. He is also an Executive Committee Member of the New York Police &amp; Fire Widows' &amp; Children's Benefit Fund and is a Trustee of The Paley Center for Media. He has been honored by several organizations, including Global Kids, Graham Windham and the YMCA of Greater New York.
A member of the New York State Bar Association, Edward is a graduate of the University of Pennsylvania and earned a Juris Doctor degree from the Fordham University School of Law.

Executive Vice President | Enterprise Services and Public Affairs

Edward Skyler

<ul class="list">
<li>Vice Chair, Solera Capital LLC &ndash; 2014 to 2018</li>
<li>Managing Director, Wolfensohn Fund Management, L.P. &ndash; 2007 to 2014</li>
<li>Superintendent of Banks, State of New York &ndash; 2003 to 2007</li>
<li>Deputy Secretary, Governor Pataki, State of New York &ndash; 2002 to 2003</li>
<li>Chief Financial Officer, Long Island Power Authority &ndash; 2001 to 2002</li>
<li>Vice President, KeySpan Energy &ndash; 1999 to 2001</li>
<li>Assistant Secretary, Governor Pataki, State of New York &ndash; 1996 to 1999</li>
<li>Executive Vice President, Muriel Siebert &amp; Company &ndash; 1993 to 1994</li>
<li>President, M.R. Beal &amp; Company &ndash; 1988 to 1993 and 1995 to 1996</li>
<li>Director of Citibank, N.A. since 2020</li>
<li>Director of Citigroup since 2009</li>
<li>Other Directorships: Brookfield Asset Management</li>
<li>Previous Directorships within the last five years: Brookfield Office Properties</li>
<li>Other Activities: Accion (Chair), Columbia Business School (Board of Overseers), Girls Educational &amp; Mentoring Services (Member), Friends of Hudson River Park, Ideas42, International Women&rsquo;s Health Coalition, Mailman School of Public Health (Board of Overseers), The Economic Club of New York, Council on Foreign Relations (Member), Hot Bread Kitchen (Board Chair) and Cold Spring Harbor Lab (Member)</li>
</ul>

Former Superintendent of Banks, State of New York

Diana L. Taylor

Ernesto Torres Cantu is CEO of Citi Latin America. Ernesto is a member of Citi&rsquo;s Executive Management Team.
Prior to his current role, Ernesto served as CEO of Citibanamex from 2014 to 2019. He also served as CEO of Citibanamex Consumer Banking from 2012 to 2014 and in 2006 was appointed President of the Retail Bank in Mexico.
Ernesto joined Citibanamex in 1989 as a Corporate Banker.
Born in Torre&oacute;n, M&eacute;xico, Ernesto holds a degree in industrial engineering from the Instituto Tecnol&oacute;gico y de Estudios Superiores de Monterrey and holds a Master of Business Administration degree from Georgia State University in Atlanta. He serves as Chairman of the Board of Tecnol&oacute;gico de Monterrey, Mexico City.

Ernesto Torres Cantu

Zdenek Turek was named Citi&rsquo;s Chief Risk Officer (CRO) in February 2021. He leads the global Risk Management organization, which oversees Citi&rsquo;s risk governance framework and risk appetite, and ensures all risks generated by the firm&rsquo;s businesses are measured, reviewed and monitored on an ongoing basis. Prior to being named Interim Chief Risk Officer for Citi in December 2020, Zdenek served as EMEA Chief Risk Officer and was a member of the EMEA Operating Committee.
Previously, Zdenek was Chief Executive Officer of Citibank Europe Plc, which includes 22 countries across the region, as well as Europe Cluster Head. Prior to that, he served as Western Europe Cluster Head and, subsequently, EMEA Corporate Banking Head.
Zdenek joined Citi in 1991 and held a number of banking and corporate finance management roles before serving as Citi Country Officer for Romania. In 2005, Zdenek was appointed Citi Country Officer for South Africa and Division Head for Africa. In 2008, he was named Citi Country Officer for Russia and served as CEO of Central and Eastern Europe, which included eight countries across the region.
Before joining Citi, Zdenek worked for the Central Bank of Czechoslovakia and A.I.C. Consulting. He graduated with a Master of Arts degree in finance and banking from University of Economics, Prague. His studies included the Advanced Management Development Program at the Wharton School of the University of Pennsylvania, and he received his degree from the Executive M.B.A. program at INSEAD in 2010.

Chief Risk Officer

Zdenek Turek

<ul class="list">
<li>Chairman and CEO, Ernst &amp; Young &ndash; 2001 to June 2013</li>
<li>Regional Managing Partner, Ernst &amp; Young &ndash; 1994 to 2001</li>
<li>Director of Citigroup since July 2013</li>
<li>Director of Citibank, N.A. since July 2013</li>
<li>Other Directorships: Emerson Electric Co., Northrop Grumman Corporation and Precigen, Inc.</li>
<li>Previous Directorships within the last five years: None</li>
<li>Other Activities: Boy Scouts of America (past Chair), World Scout Foundation (Board Member), Theatre Forward (Board Member), Municipal Theatre Association of St. Louis (Board Chair), and Forest Park Forever (Board Member)</li>
</ul>

Former Chairman and CEO,  Ernst & Young

James S. Turley

<p style="box-sizing: border-box; font-size: 0.9rem; line-height: 22px; font-weight: 300; margin: 5px 0px 10px; text-align: left; color: #3e3947; font-family: Ubuntu, sans-serif; background-color: #ffffff;">Michael Verdeschi is Treasurer of Citigroup Inc., and is responsible for managing Treasury activities, ensuring a robust balance sheet, and optimizing resources to help support returns in an evolving economic and regulatory environment. He leads the firm's Asset and Liability Committee and interacts with the investor and analyst community.
<p style="box-sizing: border-box; font-size: 0.9rem; line-height: 22px; font-weight: 300; margin: 0px 0px 10px; text-align: left; color: #3e3947; font-family: Ubuntu, sans-serif; background-color: #ffffff;">Previously, Michael was Citi's Chief Investment Officer, responsible for the asset allocation strategy of the securities portfolio globally and the portfolio management activities of asset classes including sovereigns, U.S. and non-U.S. mortgage-backed securities, ABS, covered bonds, and CLOs. In addition, he oversaw the USD interest rate management activity, hedging of foreign currency exposures from capital investments in foreign subsidiaries and non-USD debt, and the U.S. pension investments.
<p style="box-sizing: border-box; font-size: 0.9rem; line-height: 22px; font-weight: 300; margin: 0px 0px 10px; text-align: left; color: #3e3947; font-family: Ubuntu, sans-serif; background-color: #ffffff;">Joining Citi in 1990, he held a variety of roles in the firm's Banking and Markets businesses. Michael also held various roles in Treasury including co-head of funding and capital markets, retail bank treasurer in North America, Country Treasurer of Citibank Japan, and head of Rates Portfolio Management. He also headed the transition to centralize many of the firm's Treasury functions and has 31 years of experience in markets, investments, and Treasury management. Michael is married, has four children, and is active in philanthropy with a focus on supporting orphans.

Treasurer

Michael Verdeschi

<ul>
<li>Former President and Group Chief Executive Officer, Nordea Bank Abp &ndash; 2015 to 2019</li>
<li>Executive Vice President and Head, Wholesale Banking, Nordea Bank Abp &ndash; 2011 to 2015</li>
<li>Executive Vice President and Head, Corporate Merchant Banking &amp; Capital Markets, Nordea Bank Abp &ndash; 2010 to 2011</li>
<li>Managing Director and Partner; Head, Nordic Investment Banking, Goldman Sachs International &ndash; 2006 to 2010</li>
<li>Head, European Technology Banking, Goldman Sachs International &ndash; 2002 to 2006</li>
<li>Managing Director, Nordic M&amp;A, Goldman Sachs International &ndash; 1998 to 2002</li>
<li>Managing Director, Nordic Investment Banking, UBS AG &ndash; 1994 to 1998</li>
<li>Head, Derivatives Marketing &amp; Structuring, German Corporate Clients, Citibank &ndash; 1992 to 1994</li>
<li>Director of Citigroup since 2023</li>
<li>Other Directorships (private): Heimstaden Bostad Ab, Fazer Ab, Stena Ab, Ductor Oy, and Ahlstr&ouml;m Capital Ab</li>
<li>Previous Directorships within the last five years:&nbsp; None</li>
<li>Other Activities: European Business Leaders&rsquo; Convention (Chair)</li>
</ul>

Former, President and Group Chief Executive Officer, Nordea Bank Abp

Casper W. von Koskull

Sara Wechter is Citi's Head of Human Resources, responsible for recruiting, diversity, global learning, talent development, benefits, compensation and employee relations. Since assuming this role in July 2018, she has championed pay-equity efforts across Citi, most notably making Citi one of the first companies to disclose its raw pay gap data for women and minorities in 2019 and annually since then.
Under Sara&rsquo;s leadership, Citi has been at the helm of many industry-leading employee programs, including launching a global paid parental leave standard in every country in which Citi operates and providing multiple mental health resources to employees. In addition, Sara leads Citi&rsquo;s North America Crisis Management Oversight Team, which is managing Citi&rsquo;s response to the COVID-19 pandemic.
Prior to this role, Sara served as Citi's Head of Talent and Diversity as well as Chief of Staff to former Citi Chief Executive Officer Mike Corbat. She has held several roles since first joining Citi in 2004. After working in Investment Banking, Sara joined Citi's Corporate M&amp;A and Strategy team in 2007. She also served as Chief of Staff to Richard Parsons and Michael O'Neill during their respective terms as Chair of Citi's Board of Directors.
Sara is a graduate of Emory University and lives in New York City with her husband and two children.

Head of Human Resources, Citi

Sara Wechter

Mike Whitaker was named Citi's Head of Enterprise Operations &amp; Technology in November 2018 following four years as Head of Operations &amp; Technology for Citi's Institutional Clients Group (ICG).
Mike joined Citi in October 2009 as the Head of Markets Technology. Since then, he has undertaken various roles, including Regional Chief Information Officer, Head of ICG Technology, and in February 2012, Head of Securities &amp; Banking Operations &amp; Technology.
With over 40 years of experience in financial services and technology, Mike&rsquo;s previous roles include positions in interest rate derivatives trading, dealing room management, electronic trading solutions and senior technology leadership roles.
Prior to joining Citi, Mike had worked at Deutsche Bank and Barclays Capital, where his responsibilities included CIO for Global Fixed Income, Global Equities &amp; Prime Finance, eCommerce and Algorithmic trading functions.
Mike holds an M.Sc. in financial markets and derivatives.

Head of Enterprise Infrastructure Operations & Technology

Mike Whitaker

Paco Ybarra is Chief Executive Officer of Citi&rsquo;s Institutional Clients Group, which includes its Banking, Markets and Services businesses. He is a member of the Executive Management Team, Chairman of the Institutional Clients Group Risk Management Committee and serves as a Member of the Board of Grupo Financiero Citibanamex, S.A. de C.V.
Prior to assuming his current role in May 2019, Paco was Global Head of Markets and Securities Services. He joined the bank in 1987 in Spain as a Management Associate. During his career he has held positions in Spain, Mexico, Singapore, New York and London. In November 2006, he became Co-Head of Global Fixed Income, and in 2011 was appointed Global Head of Markets. In November 2013, his responsibilities were expanded to include the securities services businesses. He was appointed Deputy Head of the Institutional Clients Group in October 2018.
Paco holds a Bachelor of Arts degree in economics from the University of Valencia in Spain and a Master of Business Administration degree from I.E.S.E. in Barcelona. He is a member of the Board of Directors of EMPower in the United Kingdom, a non-for-profit organization that supports at-risk youth in Emerging Markets. He also sits in the Alumni Board of I.E.S.E.

Chief Executive Officer |  Institutional Clients Group

Paco Ybarra

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